Dog Insurance

Top-rated pet insurance for dogs to protect your wallet and your best friend.

Puppy Insurance

Pet insurance for puppies as young as 8 weeks.

Cat Insurance

Affordable cat insurance to keep your feline friend healthy and happy.

Kitten Insurance

Pet insurance for kittens as young as 8 weeks.

FAQs

Frequently Asked Questions.

Pet Insurance Providers

See how Spot measures up against other pet insurances when it comes to coverage.

Pet Insurance Plans

Find out what eligible conditions and accidents our plans cover.

Blog

Learn more about how to take care of your pet, from feeding to training, at every life stage.

Breeds

Discover the personality and characteristics of your favorite cat or dog breeds.

Pet Insurance by State

Find state-specific information about Pet Insurance in the United States.

Help Center

Everything you need to know about Spot Pet Insurance.

America's Most Loved Pet Insurance

Up to 90% Cash Back on Vet Bills

Visit Any Vet in the U.S. or Canada

10% Multi-Pet Discount

24/7 Pet Telehealth Helpline

Click For Price

They Think We’re Pretty Cool:

What's Covered?

Accident & Illness

Exam fees

Cancer, diabetes

Respiratory infections

And More, See Coverage >

Accident Only

Surgery & hospitalization

Swallowed objects

Toxic ingestion

And More, See Coverage >

Preventive Care

Dental cleaning

Spaying or neutering

Annual wellness exams

And More, See Coverage >

Click For Price

How Pet Insurance Plans by Spot Work

Visit Any Vet

No vet restrictions! Visit any vet in the U.S. or Canada.

Submit Your Claim

Send us your bill online, in our app, or via fax.

Get Paid!

Get cash back quickly for covered vet bills either direct deposit or check – you pick.

See Why Spot is Leading the Pack

Thousands of pet parents are choosing Spot. See why Spot pet insurance plans are widely preferred over other pet insurance options.

Compare Providers

Access Spot Perks Exclusive Promo Codes Today 🧡💰

As part of our mission to help pets lead happier and healthier lives, enjoy access to a curated list of discounts on pet essentials.

Affordable Plans for Cats & Dogs

Life is full of surprises. Spot helps pet parents plan for them through easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.

Cat & Kitten Plans

as low as

$9/mo1

Dog & Puppy Plans

as low as

$15/mo2

View Sample Policy

Happy Pet Parents Trust Spot

Rated 4.7 / 5 based on 4,823 reviews

Quick claim resolution!

Filing the claim was easy and was resolved and paid quickly!

Judith Hall

Very easy to file a claim and amazed at…

Very easy to file a claim and amazed at the fast response. I recommended Spot to my sister Renee Miller and shes very happy also. Great job spot pet insurance.

Charles Mandracchia

Spot is always available for my…

Spot is always available for my questions and have all the answers. Great customer service, great policy and they always ask how Blitz is doing…Fantastic job!

Ken Kennedy

Excellent

Excellent claims process

Casie Lancia

Like a lot of people

Like a lot of people, I’m skeptical about insurance companies. However, kudos for your prompt responses. Moomoo & I thank you.

Edward Mogck

Spot made our vet visit for Jett easy…

Spot made our vet visit for Jett easy and hassle free!

Lauren Kelley

Valuable Insurance

My puppy had a bowel obstruction. Spot pet insurance saved me so much on the vet bill. So worth it!

April Garner

Representatives from this company are…

Representatives from this company are very helpful very friendly ! Reimbursement was quick!

Antonita Nunes

I highly recommend Spot

If my dogs suddenly get sick or need to get a routine checkup, I never have to worry. I've had Spot for a year now and they have been wonderful, always taking care of the expenses in just 2 or 3 days. It really sets my mind at ease having them as my pet insurer. Highly recommend.

Jeffrey Inen

My experience with Spot Pet Insurance has been flawless.

My experience with Spot Pet Insurance has been great. It was super easy to apply. The best part about Spot is that the following day my puppy was insured. I’m glad there is no waiting period for preventative care. Also, I like that Spot’s reimbursement is so quick.

Bria Tucker

Frequently Asked Questions

Have questions about pet insurance and how it works? Don't worry, we've got you covered.

What Do Pet Insurance Plans Provided by Spot Cover?

Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.

Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.

You may use any licensed veterinarian in the US.

For a full list of terms and conditions, click here to view a sample policy.

Can I Get Reimbursed for Routine Teeth Cleanings?

Base level plans provided by Spot do not cover routine teeth cleanings.  

However, Spot accident & illness plans cover treatments for dental illnesses.  The only treatment covered for dental accidents is tooth extractions. 

To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month. 

What is a Pre-Existing Condition?

 A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed.

Plans provided by Spot do not cover pre-existing conditions. However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

What is the Best Age to Insure My Pet?

Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age.  You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old.  Don’t let your pet develop a “pre-existing condition” before they’re insured.

Does Pet Insurance Cover Exam Fees?

Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions. 

Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.

Follow us on Instagram

Follow us everywhere else:

Follow us everywhere else:

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions visit https://spotpet.com/sample-policy. Preventive Care reimbursements are based on a schedule. Accident & Illness coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change. More information is available at checkout. Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by Spot Pet Insurance Services, LLC. (NPN # 19246385. 990 Biscayne Blvd Suite 603, Miami, FL 33132). CA License #6000188. PTZ Insurance Agency Ltd. (NPN: 5328528. domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306) is responsible for administration and claims adjudication. (California residents only: PTZ Insurance Agency Ltd., d.b.a PIA Insurance Agency Ltd. CA license #0E36937).